The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$19,184
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,780
−HK$607/mo
Today · 4.125%
HK$20,387
baseline
▲ 0.50% · 4.625%
HK$21,627
+HK$1,240/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,774/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,342
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,914
−HK$581/mo
Today · 4.125%
HK$22,495
baseline
▲ 0.50% · 4.625%
HK$23,680
+HK$1,185/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$44,990/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,020
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,736
−HK$728/mo
Today · 4.125%
HK$24,464
baseline
▲ 0.50% · 4.625%
HK$25,952
+HK$1,488/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,928/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,610
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,297
−HK$696/mo
Today · 4.125%
HK$26,993
baseline
▲ 0.50% · 4.625%
HK$28,416
+HK$1,423/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$53,986/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,857
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,692
−HK$849/mo
Today · 4.125%
HK$28,541
baseline
▲ 0.50% · 4.625%
HK$30,278
+HK$1,737/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$57,082/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,878
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,679
−HK$813/mo
Today · 4.125%
HK$31,492
baseline
▲ 0.50% · 4.625%
HK$33,152
+HK$1,660/mo
Deposit HK$2.52M · loan HK$5.89M · min. income ≈ HK$62,984/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,530
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,604
−HK$1,092/mo
Today · 4.125%
HK$36,696
baseline
▲ 0.50% · 4.625%
HK$38,929
+HK$2,233/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$73,392/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,415
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,445
−HK$1,045/mo
Today · 4.125%
HK$40,490
baseline
▲ 0.50% · 4.625%
HK$42,624
+HK$2,134/mo
Deposit HK$841K · loan HK$7.57M · min. income ≈ HK$80,980/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,387 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).